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Benny, thanks for the response. This was just the reason I posted here.
I did want to gamble a little with some speculative stuff, but the kids money and all my other monies, I want to be...

I thought I posted in the right thread. I am on step 5,6,7

I checked into the VTI etf, but I was also looking at REINX for my kids college savings.
Invesco Real Estate Investor: REINX quotes & news - Google Finance

11% since inception

Also as a gamble...